🚨 Credit & Debit Card Users Alert: Fraud Happening Without OTP, APK Links Can Steal Money

Balasahana Suresh
Cybercriminals are evolving their tactics, targeting debit and credit card users through fake links, APK files, and malware — even without needing your OTP. These scams are spreading rapidly through WhatsApp, SMS, calls, and social media, and multiple banks and police units have issued warnings.

📱 How the Scams Work

Malicious APK Links

Fraudsters send you links claiming to be from banks or official services (e.g., “redeem reward points,” “increase credit limit,” “traffic challan,” or “free credit card”).

If you download and install the APK (Android app), it can give attackers access to your phone — including banking apps, SMS messages, and OTPs.

Unauthorized Transactions Without Sharing OTP

In recent fraud cases, victims lost money even though they didn’t share any OTPs, CVV, or PINs. Scammers used malware from fake apps to intercept communications and make unauthorized transactions.

Fake Offers and Social Engineering

Scammers impersonate legitimate bank officials or financial institutions offering credit card upgrades, lifetime free cards, reward points, festival offers, or cashback. The links/application forms they send are traps.

💸 Real Incidents Reported

  • In Visakhapatnam, people lost over ₹10 lakh in cyber frauds even without sharing OTPs after interacting with fake links and malicious APKs.
  • In Telangana, victims lost money after installing fake “RTO challan” APK files that stole OTPs and banking data.
  • In Hyderabad, fraudsters sent malicious APKs posing as reward point redemption apps, leading to losses of over ₹1 lakh.
🛡️ How to Protect Yourself

🔒 Never install APK files from unknown sources

APK or app installers shared via WhatsApp, SMS, social media, or email can be malware. Only install apps from the Google Play Store or official bank/brand websites.

❌ Don’t click suspicious links

Avoid links promising:

  • free cards or limits
  • reward points/cashback
  • instant KYC
  • account reactivation
    These are common bait used by scammers.
🛑 Never share sensitive info

Banks will never ask for your:

  • OTP
  • CVV
  • PIN
  • passwords
    over WhatsApp, email, or unsolicited calls — even if the caller shows an official number.
📱 Secure your device

  • Keep your phone OS and apps updated.
  • Use official banking apps only.
  • Install trusted security/antivirus software.
  • Avoid public Wi-Fi for banking transactions.
📞 Verify with your bank

If you receive any unexpected communication, contact your bank’s official customer service number (not the one sent in the message).

🚨 Report fraud immediately

If you suspect fraud:

  • Block your card immediately
  • Report to your bank
  • Report to the National Cyber Crime Helpline (1930) or cybercrime.gov.in
📌 Bottom Line

Fraudsters are now using APK malware files and deceptive links to steal money without requiring OTPs by compromising devices and intercepting data. Stay vigilant, never install unknown apps, and always verify any financial communication before acting.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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